Dojo vs SumUp: which card machine saves you more?
The crossover sits at roughly £2,370 a month on cards. Below it SumUp's £0 monthly cost wins. Above it Dojo's Fix plan takes over: £39.99 a month covers card turnover up to £3,999 a month, then a 1% flat rate applies above £4,000 (for businesses under £100,000 a year in card turnover). At £5,000 a month that is £39.99 plus 1% of £1,000, £49.99 in total, against SumUp's £84.50 at 1.69%: about £414 a year saved. Above £100,000 a year Dojo quotes a custom rate per business, and we have seen quotes as low as 0.29% for high-turnover businesses.
Rates and contract terms checked 27 August 2026· Based on providers' published pricing
Dojo
- Fix plan
- £39.99/mo
- Over £4k/mo
- 1% flat
- Hardware
- From £179
SumUp
- Transaction
- 1.69%
- Monthly
- £0
- Hardware
- £29-£39
The MerchantSwitch route: Free Dojo terminal (no rental) through MerchantSwitch. Up to £3,000 towards your exit fees when you switch through MerchantSwitch. We have seen Dojo quotes as low as 0.29% for high-turnover businesses. Get the offer.
The verdict, by monthly card volume
A £39.99 monthly plan with a 1% flat rate above £4,000 a month (Dojo Fix) versus a flat 1.69% and no monthly cost (SumUp): which wins depends on how much you take on cards each month.
| Monthly card volume | Cheaper option | Why |
|---|---|---|
| Under £2,400/month | SumUp | No monthly cost to cover; Dojo’s Fix plan is £39.99 a month regardless, which at £2,000 a month is a 2.0% effective rate against SumUp’s £33.80. Stay put. |
| £2,400 to £8,300/month | Dojo | The Fix plan (£39.99 a month, 1% above £4,000) beats SumUp’s 1.69% from roughly £2,370 a month: at £5,000 a month it is £49.99 against £84.50 |
| Over £8,300/month | Dojo | Above £100,000 a year Dojo quotes a custom rate per business; we have seen quotes as low as 0.29%, and even a conservative 1% beats 1.69% comfortably |
The takeaway: the crossover sits at about £2,370 a month (£39.99 divided by 1.69%). Below it, SumUp's £0 monthly cost wins: at £2,000 a month Dojo's £39.99 is a 2.0% effective rate against SumUp's £33.80, so stay put. Above it, the Fix plan pulls ahead fast: £49.99 against £84.50 at £5,000 a month, £79.99 against £135.20 at £8,000 a month. Fix runs up to £100,000 a year (about £8,300 a month); above that Dojo quotes a custom rate per business. The terminal is bought upfront from £179, or free through MerchantSwitch, so there is no rental in either sum.
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Feature by feature
| Feature | Dojo | SumUp |
|---|---|---|
| Pricing | Fix plan: £39.99/month covers card turnover up to £3,999/month, then 1% flat above £4,000 (under £100k/year); custom quote above | 1.69% flat, no monthly fee |
| Monthly cost | £39.99 on the Fix plan (platform fee and Amex included) | £0 |
| Hardware | From £179 upfront (pay-monthly unavailable under £100k/year); free through MerchantSwitch | £29-£39 |
| Contract | 30-day trial, then a 12-month price-locked plan | None |
Where Dojo wins
- Effective rate at volume - the Fix plan works out at 1.0% effective at £5,000 a month vs SumUp's flat 1.69%
- Hardware - buy the terminal upfront from £179, or take it free through MerchantSwitch
- Volume - the cheaper total above roughly £2,400 a month, around £414 a year at £5,000 a month
Where SumUp wins
- No monthly cost - £0 vs £39.99 a month on Dojo's Fix plan
- No contract - walk away any time vs a 12-month price-locked plan after the 30-day trial
- Low volume - the cheaper total under roughly £2,400 a month
How we calculated this
We take Dojo's and SumUp's published or typical advertised rates and apply them to example monthly card volumes (under £5,000 to over £10,000 a month). Total cost is worked out as transaction fees plus fixed monthly fees over 12 months. Rates change and individual pricing can often be negotiated, so treat these figures as a like-for-like guide rather than a quote. Always confirm current pricing with Dojo and SumUp before you commit.
The verdict
Choose Dojo if
- You take roughly £2,400 or more a month on cards
- You want the Fix plan (£39.99 a month, 1% above £4,000 a month), or a custom quote above £100,000 a year
- You want a free terminal through MerchantSwitch rather than buying one
- You are comfortable with a 12-month price-locked plan after the 30-day trial
Choose SumUp if
- You take under roughly £2,400 a month on cards
- You want no monthly fee
- You want no contract at all
- You are happy to buy the reader for £29-£39
See also the full UK card machine rates table, every published rate in one place, or head back to the Dojo card machines hub.